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The Importance of Life Insurance

importance of life insurance

Because life insurance is optional—unlike car insurance and, increasingly, health insurance—it’s often not even a consideration when it comes to budgeting monthly expenses.

However, not including life insurance in your budget can be a costly, even tragic, mistake. And most families probably don’t realize how affordable life insurance can be, depending on which type you choose. There are two basic types of life insurance—term and whole.

Term Life Insurance

With this kind of plan, you decide how long you want your life to be insured. For many families, that might just be until their last child finishes college. Or it could be when you reach retirement age. You can buy a term policy to cover the period between now and that point in the future, be it 10, 15, or 30 years away. Then you figure out how much insurance you need for that period (more on that below), and shop around for the best deal you can get.

Each year (or month), you pay a fixed premium, based on your age, health, and how much insurance you want to buy. If you die during that term—even if it’s the day after you sign the contract—your family will receive the face value of the policy, whether it’s $500,000, $1,000,000, or any other amount that you paid for. If you die the day after the term expires, your family gets nothing.

Term life premiums are surprisingly affordable. In fact, most experts agree that term life insurance is the most sensible option: It offers inexpensive coverage during the time when the loss of a spouse’s or parent’s income would be most destructive.

Whole Life Insurance

Some people, however, choose whole life insurance, which means you’re covered from the day you buy the policy until the day you die. Premiums for whole life insurance are much higher than those for term life insurance, but the money you contribute goes back to your family after your death. You can even use your cash balance for emergencies. For example, you can take out a low-interest loan on the cash value of your account, or you can use the cash value to pay for medical care in the event of a terminal illness. However, if you deplete the cash value of your policy, your family will receive that much less when you die.

Most financial planners say that if you have the extra money required to pay the premiums on a whole life plan, you should use it to invest in a good savings or retirement plan instead.

How Much Insurance Should You Buy?

Figuring out how much term life insurance to buy is fairly straightforward. In fact, there are many term life insurance calculators available online. In a nutshell, however, the amount you buy should be able to at least replace the amount of money you contribute each year to your household.

If you earn $50,000 a year, you’ll want to buy at least $500,000 worth of life insurance: $750,000 or $1,000,000 would be an even better number, especially if you’re younger and would expect to earn raises over time.

Accidental Death and Dismemberment (AD&D) Insurance

This is a special type of insurance you can think of as an add-on to life insurance. This type of policy only covers accidental death (or the loss of limbs). Overall, the chance of accidental death is very low—only 5 percent of deaths result from accidents. If you have to choose between a cheap AD&D policy and a slightly more expensive term life policy, you’re much better off with the term life. It’s worth buying AD&D insurance if you work in a dangerous job (and aren’t covered for it by your employer).

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Education

The Cheapest Online Degrees: Ranking and Guide

In an era of rising higher education costs, finding affordable options is more important than ever. For those interested in earning their degrees online, the landscape of choices can be overwhelming. To simplify your search, we've compiled lists of the most cost-effective online degree programs based on data from respected ranking sources. These include EDsmart.org, Forbes.com, BestColleges.com, OnlineU.com, and Best-Universities.net. This article will provide you with a comprehensive overview of affordable online degree programs, categorized by the type of degree (Associate's and Bachelor's) and ranked based on various criteria, such as tuition costs, accreditation, number of online degree offerings, and financial aid availability. The intention is to aid prospective online students in finding institutions that offer a strong likelihood of degree completion without causing financial strain. The listed colleges and universities stand out for their affordability and the quality of their education, high acceptance and graduation rates, and substantial financial aid availability. Furthermore, these schools offer a wide range of online programs, giving you the flexibility to pursue your degree in a field that matches your career aspirations and personal interests. So, whether you're just beginning your higher education journey or looking to advance your career with a bachelor's degree, this guide will be a valuable resource in your decision-making process. Get ready to explore the most affordable and reputable online degree programs for 2023. Cheapest Online Colleges and Degrees per FamilyWise.com FamilyWise.com has compiled a list of the top 10 most affordable online colleges and degrees for 2023. These rankings are based on data from respected sources such as EDsmart.org, Forbes.com, BestColleges.com, OnlineU.com, and Best-Universities.net. Each institution has been selected for its affordability, quality of education, high acceptance and graduation rates, substantial financial aid availability, and the range of online programs offered. Here are the top 10 most affordable online colleges and degrees: Washtenaw Community College (Associate's Degree): With a tuition cost of $3,624, Washtenaw Community College offers an excellent option for those seeking an affordable Associate's degree. The college provides a wide range of online programs and ensures a strong likelihood of degree completion. Arkansas Northeastern College (Associate's Degree): Charging only $3,648 in tuition fees, Arkansas Northeastern College is an affordable choice for online Associate's degrees. The college has a high acceptance rate, ensuring accessibility for prospective students. Copiah-Lincoln Community College (Associate's Degree): Copiah-Lincoln Community College offers online Associate's degree programs for $3,833 in tuition costs. The institution's commitment to affordability, combined with a variety of degree offerings, makes it an attractive option. Houston Community College (Associate's Degree): Houston Community College provides affordable online Associate's degree programs for $4,813 in tuition fees. The college offers a range of academic options and comprehensive student support services. Western Nebraska Community College (Associate's Degree): With a tuition cost of $4,958, Western Nebraska Community College is a cost-effective choice for pursuing an online Associate's degree. The institution's commitment to quality education and affordable tuition rates contribute to its inclusion in this ranking. Clovis Community College – NM (Associate's Degree): Clovis Community College – NM offers online Associate's degree programs for $5,411 in tuition fees. The college's dedication to affordability and its comprehensive online degree offerings make it a top choice for budget-conscious students. Carl Albert State College (Associate's Degree): Carl Albert State College provides online Associate's degree programs for $5,451 in tuition costs. The college's affordability and high acceptance and graduation rates ensure an accessible and successful educational experience. Cochise College (Associate's Degree): Charging $6,260 in tuition fees, Cochise College offers affordable online Associate's degree programs. The college's commitment to affordability and quality education positions it as a valuable option for online learners. Hutchinson Community College (Associate's Degree): Hutchinson Community College provides online Associate's degree programs for $6,969 in tuition costs. The institution's affordability, combined with a range of degree offerings and comprehensive support services, contributes to its inclusion in this ranking. College of Southern Nevada (Associate's Degree): With a tuition cost of $7,019, the College of Southern Nevada offers affordable online Associate's degree programs. The college's dedication to affordability, academic excellence, and strong financial aid availability make it an ideal choice for online learners. These top 10 institutions have been selected based on their affordability, quality of education, high acceptance and graduation rates, and financial aid availability. Each institution offers a diverse range of online programs, allowing students to pursue their desired fields of study. Whether you are seeking an Associate's or Bachelor's degree, these affordable online colleges and degrees offer excellent options to achieve your educational goals without breaking the bank. Cheapest Online Degrees per EDsmart.org EDsmart.org ranks schools offering extremely affordable online degree programs. Schools were selected based on data from the NCES College Navigator database for 2023. Criteria included offering 10+ online degree programs, charging under $10,000 per year for tuition, not charging substantially higher out-of-state tuition, and possessing one of the six regional accreditations. The aim is to help online students find economical colleges that offer a strong likelihood of degree completion without incurring debt. Here are the Top 14 Cheapest and Most Affordable Online Colleges for 2023 according to EDsmart.org, separated by Associate's and Bachelor's degrees: Cheapest Online Associate's Degrees: Washtenaw Community College: $3,624 Arkansas Northeastern College: $3,648 Copiah-Lincoln Community College: $3,833 Houston Community College: $4,813 Western Nebraska Community College: $4,958 Clovis Community College – NM: $5,411 Carl Albert State College: $5,451 Cochise College: $6,260 Hutchinson Community College: $6,969 College of Southern Nevada: $7,019 Southeast Community College – NE: $7,190 Cheapest Online Bachelor's Degrees: Florida State College at Jacksonville: $3,129 Fayetteville State University: $6,969 Louisiana State University-Alexandria: $7,301 These colleges offer the most affordable online degree programs, enabling students to earn an Associate's or Bachelor's degree without significant financial strain. Best Affordable Online Colleges per Forbes.com Forbes Advisor Education provides trustworthy and unbiased rankings of higher education institutions, including degree programs, bootcamps, and professional credentials. The rankings are based on data from the National Center for Education Statistics and the U.S. Bureau of Labor Statistics, as well as information from reputable professional organizations and education providers' websites. The rankings follow a strict methodology and are reviewed by an expert advisory board to ensure accuracy. Here are the Best Affordable Online College Options, according to Forbes: Brigham Young University – Idaho Location: Rexburg, Idaho Undergraduate Tuition: $135/credit (in state) Course Format: Synchronous and asynchronous The University of West Florida Location: Pensacola, Florida Undergraduate Tuition: $219/credit (in state) Course Format: Synchronous and asynchronous Great Basin College Location: Elko, Nevada Undergraduate Tuition: $120-$193/credit (in state) Course Format: Synchronous and asynchronous Purdue University Location: West Lafayette, Indiana Undergraduate Tuition: $280/credit (in state) Course Format: Synchronous and asynchronous Florida International University Location: Miami, Florida Undergraduate Tuition: $3,432/semester (in state) Course Format: Synchronous and asynchronous University of Florida Online Location: Gainesville, Florida Undergraduate Tuition: $129/credit (in state) Course Format: Asynchronous Florida Atlantic University Location: Boca Raton, Florida Undergraduate Tuition: $105/credit (in state) Course Format: Asynchronous and synchronous Eastern New Mexico University Location: Portales, New Mexico Undergraduate Tuition: $298/credit (in state) Course Format: Synchronous and asynchronous University of Illinois Springfield Location: Springfield, Illinois Undergraduate Tuition: $312/credit Course Format: Synchronous and asynchronous University of Wisconsin – Green Bay Location: Green Bay, Wisconsin Undergraduate Tuition: $355/credit Course Format: Synchronous and asynchronous These schools offer a mix of synchronous (live, scheduled) and asynchronous (at your own pace) online courses, giving students flexibility to balance their studies with their personal and professional commitments. 5 Cheapest Online Colleges Per BestColleges.com BestColleges.com ranks schools based on affordability, using data from reliable sources such as the Integrated Postsecondary Education Data System (IPEDS) and College Scorecard, both hosted by the U.S. Department of Education. The ranking system focuses on tuition costs (45%), financial aid (45%), and potential student debt (10%). The listed schools are all not-for-profit, accredited, and offer online bachelor's programs. These schools are ranked based on their affordability, taking into account tuition fees, financial aid, and potential student debt. Each of these schools offers robust online programs and supportive services, contributing to their positions in the ranking. They also have high student retention rates and substantial online enrollment, demonstrating their commitment to online education. The top five most affordable online colleges for 2023, as ranked by BestColleges.com, are: Florida Atlantic University (FAU), Boca Raton, FL: FAU offers eight fully online undergraduate degrees and has the lowest online tuition rates in Florida. The university provides various supports for online students, such as tutoring and career center access. It's known for diversity and student outcomes. Eastern New Mexico University (ENMU), Portales, NM: ENMU offers 29 online bachelor's degree programs and reports a 97% student satisfaction rate. It costs less than 90% of universities in the Southwest and provides multiple online student support services. Texas A&M University-Commerce, Commerce, TX: A&M-Commerce offers 20 fully online bachelor's degrees and is recognized for promoting social mobility among students. The university decided not to increase tuition in 2022, despite inflation. Western New Mexico University (WNMU), Silver City, NM: WNMU offers 19 fully online bachelor's degree programs and is recognized as a Hispanic-serving institution. The university is committed to keeping tuition low and providing financial assistance opportunities. The University of West Florida (UWF), Pensacola, FL: UWF offers 17 online undergraduate degree programs and is known for positively impacting its students' social and economic mobility. Nearly half of the student population is enrolled part-time. Most Affordable Online Bachelor's Degrees per OnlineU.com Onlineu.com provides a list of the most affordable accredited online bachelor's degree programs. Earning a bachelor's degree can lead to higher salaries and lower unemployment rates. To make this significant investment of time and money more manageable, considering an online degree can provide flexibility and a wider range of options. The annual tuitions of the top-ranked schools are as follows: Overall Most Affordable Online Bachelor's Degrees: Athens State University, Athens, AL: $6,975 Columbia Southern University, Orange Beach, AL: $7,050 University of the Potomac, Multiple Locations: $7,200 Western Governors University, Salt Lake City, UT: $7,452 Thomas Edison State University, Trenton, NJ: $9,278 Waldorf University, Forest City, IA: $9,300 Southern New Hampshire University Online, Manchester, NH: $9,600 University of Maine at Augusta, Augusta, ME: $9,862 Colorado State University Global, Greenwood Village, CO: $10,500 Granite State College, Concord, NH: $10,950 Most Affordable Online Bachelor's Degrees by Major: Art & Design: University of Iowa: $8,356 Southern New Hampshire University Online: $9,600 Liberty University: $13,869 Business: Middle Georgia State University: $3,410 Ohio University - Main Campus: $3,645 Brigham Young University - Idaho: $3,888 Computer Science: Eastern New Mexico University - Main Campus: $6,624 Fort Hays State University: $6,806 University of the Potomac: $7,200 Engineering: University of North Dakota: $7,957 Bemidji State University: $8,690 Southern Illinois University - Carbondale: $9,645 Law: Fort Hays State University: $6,806 Western Carolina University: $6,974 Stevenson University: $8,438 Nursing: Dalton State College: $3,204 Pfeiffer University: $3,497 University of South Dakota: $3,548 These institutions offer the most affordable online bachelor's degree programs overall and in specific majors, allowing students to make a cost-effective investment in their education. 10 Cheapest Accredited Online Colleges per Best-Universities.net Best Universities has identified the 10 most affordable, accredited online college programs for earning a bachelor’s degree, based on four key factors: affordability, acceptance rate, graduation rate, and percentage of students receiving financial aid. Here are their top 10 picks: Arkansas State University Online Annual tuition: $7,130 Acceptance rate: 67% Graduation rate: 54% Students receiving financial aid: 100% Western Governors University Annual tuition: $7,452 Acceptance rate: 100% Graduation rate: 64% Students receiving financial aid: 73% University of Wisconsin-Green Bay Annual tuition: $7,873 Acceptance rate: 90% Graduation rate: 55% Students receiving financial aid: 80% Eastern New Mexico University-Main Campus Annual tuition: $6,648 Acceptance rate: 51% Graduation rate: 40% Students receiving financial aid: 97% Valdosta State University Annual tuition: $6,583 Acceptance rate: 78% Graduation rate: 41% Students receiving financial aid: 93% Georgia Southern University Annual tuition: $6,485 Acceptance rate: 91% Graduation rate: 54% Students receiving financial aid: 92% Kennesaw State University Annual tuition: $6,436 Acceptance rate: 83% Graduation rate: 49% Students receiving financial aid: 91% Clayton State University Annual tuition: $5,568 Acceptance rate: 69% Graduation rate: 35% Students receiving financial aid: 91% Western Carolina University Annual tuition: $4,367 Acceptance rate: 48% Graduation rate: 61% Students receiving financial aid: 86% University of North Carolina at Pembroke Annual tuition: $3,495 Acceptance rate: 91% Graduation rate: 43% Students receiving financial aid: 91% This ranking provides a comprehensive view of the most affordable online bachelor's programs, taking into account not just the cost of tuition but also the acceptance rates, graduation rates, and the percentage of students receiving financial aid at these institutions. How to Choose the Right Affordable Online Degree Program When choosing an affordable online degree program, there are a few factors you'll want to consider: Tuition costs: Make sure to compare tuition costs between different schools. Keep in mind that online tuition rates can vary depending on the type of degree you're seeking, the school's location, and the number of credit hours you're taking. Accreditation: Make sure the school you choose is accredited by a reputable organization. This will ensure that the quality of your education meets national standards. Curriculum: Make sure the program you choose offers a curriculum that meets your needs and interests. Flexibility: Consider the program's flexibility, such as whether it offers asynchronous or synchronous classes. Reputation: Research the school's reputation and student satisfaction. Financial aid: Many schools offer financial aid to help students cover the cost of tuition. Be sure to research the financial aid options available at the schools you're considering. By considering these factors, you can choose an affordable online degree program that meets your needs and helps you reach your educational goals. - Transfer of money from hand to hand

In an era of rising higher education costs, finding affordable options is more important than ever. For those interested in earning their degrees online, the landscape of choices can be overwhelming.

To simplify your search, we’ve compiled lists of the most cost-effective online degree programs based on data from respected ranking sources. These include EDsmart.org, Forbes.com, BestColleges.com, OnlineU.com, and Best-Universities.net.

This article will provide you with a comprehensive overview of affordable online degree programs, categorized by the type of degree (Associate’s and Bachelor’s) and ranked based on various criteria, such as tuition costs, accreditation, number of online degree offerings, and financial aid availability.

The intention is to aid prospective online students in finding institutions that offer a strong likelihood of degree completion without causing financial strain.

The listed colleges and universities stand out for their affordability, education quality, high acceptance and graduation rates, and substantial financial aid availability. Furthermore, these schools offer a wide range of online programs, giving you the flexibility to pursue your degree in a field that matches your career aspirations and personal interests.

So, whether you’re just beginning your higher education journey or looking to advance your career with a bachelor’s degree, this guide will be a valuable resource in your decision-making process. Get ready to explore the most affordable and reputable online degree programs for 2023.

Cheapest Online Colleges and Degrees per FamilyWise.com

FamilyWise.com has compiled a list of the top 10 most affordable online colleges and degrees for 2023.

These rankings are based on data from respected sources such as EDsmart.org, Forbes.com, BestColleges.com, OnlineU.com, and Best-Universities.net. Each institution has been selected for its affordability, quality of education, high acceptance and graduation rates, substantial financial aid availability, and the range of online programs offered.

Here are the top 10 most affordable online colleges and degrees:

  1. Washtenaw Community College (Associate’s Degree): With a tuition cost of $3,624, Washtenaw Community College offers an excellent option for those seeking an affordable Associate’s degree. The college provides a wide range of online programs and ensures a strong likelihood of degree completion.
  2. Arkansas Northeastern College (Associate’s Degree): Charging only $3,648 in tuition fees, Arkansas Northeastern College is an affordable choice for online Associate’s degrees. The college has a high acceptance rate, ensuring accessibility for prospective students.
  3. Copiah-Lincoln Community College (Associate’s Degree): Copiah-Lincoln Community College offers online Associate’s degree programs for $3,833 in tuition costs. The institution’s commitment to affordability, combined with a variety of degree offerings, makes it an attractive option.
  4. Houston Community College (Associate’s Degree): Houston Community College provides affordable online Associate’s degree programs for $4,813 in tuition fees. The college offers a range of academic options and comprehensive student support services.
  5. Western Nebraska Community College (Associate’s Degree): With a tuition cost of $4,958, Western Nebraska Community College is a cost-effective choice for pursuing an online Associate’s degree. The institution’s commitment to quality education and affordable tuition rates contribute to its inclusion in this ranking.
  6. Clovis Community College – NM (Associate’s Degree): Clovis Community College – NM offers online Associate’s degree programs for $5,411 in tuition fees. The college’s dedication to affordability and its comprehensive online degree offerings make it a top choice for budget-conscious students.
  7. Carl Albert State College (Associate’s Degree): Carl Albert State College provides online Associate’s degree programs for $5,451 in tuition costs. The college’s affordability and high acceptance and graduation rates ensure an accessible and successful educational experience.
  8. Cochise College (Associate’s Degree): Charging $6,260 in tuition fees, Cochise College offers affordable online Associate’s degree programs. The college’s commitment to affordability and quality education positions it as a valuable option for online learners.
  9. Hutchinson Community College (Associate’s Degree): Hutchinson Community College provides online Associate’s degree programs for $6,969 in tuition costs. The institution’s affordability, combined with a range of degree offerings and comprehensive support services, contributes to its inclusion in this ranking.
  10. College of Southern Nevada (Associate’s Degree): With a tuition cost of $7,019, the College of Southern Nevada offers affordable online Associate’s degree programs. The college’s dedication to affordability, academic excellence, and strong financial aid availability make it an ideal choice for online learners.

These top 10 institutions have been selected based on their affordability, quality of education, high acceptance and graduation rates, and financial aid availability. Each institution offers a diverse range of online programs, allowing students to pursue their desired fields of study. Whether you are seeking an Associate’s or Bachelor’s degree, these affordable online colleges and degrees offer excellent options to achieve your educational goals without breaking the bank.

Cheapest Online Degrees per EDsmart.org

EDsmart.org ranks schools offering extremely affordable online degree programs. Schools were selected based on data from the NCES College Navigator database for 2023.

Criteria included offering 10+ online degree programs, charging under $10,000 per year for tuition, not charging substantially higher out-of-state tuition, and possessing one of the six regional accreditations.

The aim is to help online students find economical colleges that offer a strong likelihood of degree completion without incurring debt.

Here are the Top 14 Cheapest and Most Affordable Online Colleges for 2023 according to EDsmart.org, separated by Associate’s and Bachelor’s degrees:

Cheapest Online Associate’s Degrees:

  1. Washtenaw Community College: $3,624
  2. Arkansas Northeastern College: $3,648
  3. Copiah-Lincoln Community College: $3,833
  4. Houston Community College: $4,813
  5. Western Nebraska Community College: $4,958
  6. Clovis Community College – NM: $5,411
  7. Carl Albert State College: $5,451
  8. Cochise College: $6,260
  9. Hutchinson Community College: $6,969
  10. College of Southern Nevada: $7,019
  11. Southeast Community College – NE: $7,190

Cheapest Online Bachelor’s Degrees:

  1. Florida State College at Jacksonville: $3,129
  2. Fayetteville State University: $6,969
  3. Louisiana State University-Alexandria: $7,301

These colleges offer the most affordable online degree programs, enabling students to earn an Associate’s or Bachelor’s degree without significant financial strain.

Best Affordable Online Colleges per Forbes.com

Forbes Advisor Education provides trustworthy and unbiased rankings of higher education institutions, including degree programs, bootcamps, and professional credentials.

Forbes’ rankings are based on data from the National Center for Education Statistics and the U.S. Bureau of Labor Statistics and information from reputable professional organizations and education providers’ websites. The rankings follow a strict methodology and are reviewed by an expert advisory board to ensure accuracy.

Here are the Best Affordable Online College Options, according to Forbes:

  1. Brigham Young University – Idaho
    • Location: Rexburg, Idaho
    • Undergraduate Tuition: $135/credit (in state)
    • Course Format: Synchronous and asynchronous
  2. The University of West Florida
    • Location: Pensacola, Florida
    • Undergraduate Tuition: $219/credit (in state)
    • Course Format: Synchronous and asynchronous
  3. Great Basin College
    • Location: Elko, Nevada
    • Undergraduate Tuition: $120-$193/credit (in state)
    • Course Format: Synchronous and asynchronous
  4. Purdue University
    • Location: West Lafayette, Indiana
    • Undergraduate Tuition: $280/credit (in state)
    • Course Format: Synchronous and asynchronous
  5. Florida International University
    • Location: Miami, Florida
    • Undergraduate Tuition: $3,432/semester (in state)
    • Course Format: Synchronous and asynchronous
  6. University of Florida Online
    • Location: Gainesville, Florida
    • Undergraduate Tuition: $129/credit (in state)
    • Course Format: Asynchronous
  7. Florida Atlantic University
    • Location: Boca Raton, Florida
    • Undergraduate Tuition: $105/credit (in state)
    • Course Format: Asynchronous and synchronous
  8. Eastern New Mexico University
    • Location: Portales, New Mexico
    • Undergraduate Tuition: $298/credit (in state)
    • Course Format: Synchronous and asynchronous
  9. University of Illinois Springfield
    • Location: Springfield, Illinois
    • Undergraduate Tuition: $312/credit
    • Course Format: Synchronous and asynchronous
  10. University of Wisconsin – Green Bay
    • Location: Green Bay, Wisconsin
    • Undergraduate Tuition: $355/credit
    • Course Format: Synchronous and asynchronous

These schools offer a mix of synchronous (live, scheduled) and asynchronous (at your own pace) online courses, giving students flexibility to balance their studies with their personal and professional commitments.

5 Cheapest Online Colleges Per BestColleges.com

BestColleges.com ranks schools based on affordability, using data from reliable sources such as the Integrated Postsecondary Education Data System (IPEDS) and College Scorecard, both hosted by the U.S. Department of Education. The ranking system focuses on tuition costs (45%), financial aid (45%), and potential student debt (10%). The listed schools are all not-for-profit, accredited, and offer online bachelor’s programs.

These schools are ranked based on their affordability, taking into account tuition fees, financial aid, and potential student debt. Each of these schools offers robust online programs and supportive services, contributing to their positions in the ranking. They also have high student retention rates and substantial online enrollment, demonstrating their commitment to online education.

The top five most affordable online colleges for 2023, as ranked by BestColleges.com, are:

  1. Florida Atlantic University (FAU), Boca Raton, FL: FAU offers eight fully online undergraduate degrees and has the lowest online tuition rates in Florida. The university provides various supports for online students, such as tutoring and career center access. It’s known for diversity and student outcomes.
  2. Eastern New Mexico University (ENMU), Portales, NM: ENMU offers 29 online bachelor’s degree programs and reports a 97% student satisfaction rate. It costs less than 90% of universities in the Southwest and provides multiple online student support services.
  3. Texas A&M University-Commerce, Commerce, TX: A&M-Commerce offers 20 fully online bachelor’s degrees and is recognized for promoting social mobility among students. The university decided not to increase tuition in 2022, despite inflation.
  4. Western New Mexico University (WNMU), Silver City, NM: WNMU offers 19 fully online bachelor’s degree programs and is recognized as a Hispanic-serving institution. The university is committed to keeping tuition low and providing financial assistance opportunities.
  5. The University of West Florida (UWF), Pensacola, FL: UWF offers 17 online undergraduate degree programs and is known for positively impacting its students’ social and economic mobility. Nearly half of the student population is enrolled part-time.

Most Affordable Online Bachelor’s Degrees per OnlineU.com

Onlineu.com provides a list of the most affordable accredited online bachelor’s degree programs. Earning a bachelor’s degree can lead to higher salaries and lower unemployment rates.

To make this significant investment of time and money more manageable, considering an online degree can provide flexibility and a wider range of options.

The annual tuitions of the top-ranked schools are as follows:

Overall Most Affordable Online Bachelor’s Degrees:

  1. Athens State University, Athens, AL: $6,975
  2. Columbia Southern University, Orange Beach, AL: $7,050
  3. University of the Potomac, Multiple Locations: $7,200
  4. Western Governors University, Salt Lake City, UT: $7,452
  5. Thomas Edison State University, Trenton, NJ: $9,278
  6. Waldorf University, Forest City, IA: $9,300
  7. Southern New Hampshire University Online, Manchester, NH: $9,600
  8. University of Maine at Augusta, Augusta, ME: $9,862
  9. Colorado State University Global, Greenwood Village, CO: $10,500
  10. Granite State College, Concord, NH: $10,950

Most Affordable Online Bachelor’s Degrees by Major:

Art & Design:

  1. University of Iowa: $8,356
  2. Southern New Hampshire University Online: $9,600
  3. Liberty University: $13,869

Business:

  1. Middle Georgia State University: $3,410
  2. Ohio University – Main Campus: $3,645
  3. Brigham Young University – Idaho: $3,888

Computer Science:

  1. Eastern New Mexico University – Main Campus: $6,624
  2. Fort Hays State University: $6,806
  3. University of the Potomac: $7,200

Engineering:

  1. University of North Dakota: $7,957
  2. Bemidji State University: $8,690
  3. Southern Illinois University – Carbondale: $9,645

Law:

  1. Fort Hays State University: $6,806
  2. Western Carolina University: $6,974
  3. Stevenson University: $8,438

Nursing:

  1. Dalton State College: $3,204
  2. Pfeiffer University: $3,497
  3. University of South Dakota: $3,548

These institutions offer the most affordable online bachelor’s degree programs overall and in specific majors, allowing students to make a cost-effective investment in their education.

10 Cheapest Accredited Online Colleges per Best-Universities.net

Best Universities has identified the 10 most affordable, accredited online college programs for earning a bachelor’s degree, based on four key factors: affordability, acceptance rate, graduation rate, and percentage of students receiving financial aid. Here are their top 10 picks:

  1. Arkansas State University Online
  • Annual tuition: $7,130
  • Acceptance rate: 67%
  • Graduation rate: 54%
  • Students receiving financial aid: 100%
  1. Western Governors University
    • Annual tuition: $7,452
    • Acceptance rate: 100%
    • Graduation rate: 64%
    • Students receiving financial aid: 73%
  2. University of Wisconsin-Green Bay
    • Annual tuition: $7,873
    • Acceptance rate: 90%
    • Graduation rate: 55%
    • Students receiving financial aid: 80%
  3. Eastern New Mexico University-Main Campus
    • Annual tuition: $6,648
    • Acceptance rate: 51%
    • Graduation rate: 40%
    • Students receiving financial aid: 97%
  4. Valdosta State University
    • Annual tuition: $6,583
    • Acceptance rate: 78%
    • Graduation rate: 41%
    • Students receiving financial aid: 93%
  5. Georgia Southern University
    • Annual tuition: $6,485
    • Acceptance rate: 91%
    • Graduation rate: 54%
    • Students receiving financial aid: 92%
  6. Kennesaw State University
    • Annual tuition: $6,436
    • Acceptance rate: 83%
    • Graduation rate: 49%
    • Students receiving financial aid: 91%
  7. Clayton State University
    • Annual tuition: $5,568
    • Acceptance rate: 69%
    • Graduation rate: 35%
    • Students receiving financial aid: 91%
  8. Western Carolina University
    • Annual tuition: $4,367
    • Acceptance rate: 48%
    • Graduation rate: 61%
    • Students receiving financial aid: 86%
  9. University of North Carolina at Pembroke
    • Annual tuition: $3,495
    • Acceptance rate: 91%
    • Graduation rate: 43%
    • Students receiving financial aid: 91%

This ranking provides a comprehensive view of the most affordable online bachelor’s programs, taking into account not just the cost of tuition but also the acceptance rates, graduation rates, and the percentage of students receiving financial aid at these institutions.

How to Choose the Right Affordable Online Degree Program

When choosing an affordable online degree program, there are a few factors you’ll want to consider:

  • Tuition costs: Make sure to compare tuition costs between different schools. Keep in mind that online tuition rates can vary depending on the type of degree you’re seeking, the school’s location, and the number of credit hours you’re taking.
  • Accreditation: Make sure the school you choose is accredited by a reputable organization. This will ensure that the quality of your education meets national standards.
  • Curriculum: Make sure the program you choose offers a curriculum that meets your needs and interests.
  • Flexibility: Consider the program’s flexibility, such as whether it offers asynchronous or synchronous classes.
  • Reputation: Research the school’s reputation and student satisfaction.
  • Financial aid: Many schools offer financial aid to help students cover the cost of tuition. Be sure to research the financial aid options available at the schools you’re considering.

By considering these factors, you can choose an affordable online degree program that meets your needs and helps you reach your educational goals.

Resources:

https://www.savingforcollege.com/article/how-to-pay-for-college

https://best-universities.net/degrees/cheap-online-degrees-fast/

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Big Kids

The Best Microscope For Kids: Top 8

best microscope for kids

The best microscope for kids is definitely one that includes both activities and materials necessary to really understand how it works. This includes slides, lenses, and an instruction manual. This will assist them in exploring the world with hours of fun and entertainment. Also, this ensures they know how to properly use it. Listed below are the top 8 microscopes for kids.

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Top 8 Best Microscopes for Kids

1. Educational Insights GeoSafari Jr. Talking Kids Microscope

We have Educational Insights GeoSafari Jr. Talking Kids Microscope as one of the best beginner microscopes for kids. This microscope has dual eyepiece lenses and a single large objective lens. This allows magnification of up to 40X. In this microscope, you can use more than just during experiments. Since. it’s more durable and includes a protective dust cover.

The best thing about this best microscope for kids is that it comes with real samples of human hair, cotton fibers, salt crystals, and leaf specimens. So,  your young scientist will learn the different characteristics of each material through an engaging activity book. This also contains 10 coloring pages!

In case you don’t know this brand yet, Educational Insights is one of the leading manufacturers of the best microscope for kids and the best microscope for science fair projects.

2. Boley My First Microscope Kit

The best microscope with slides that offers cool features is the Boley My First Microscope Kit. This best microscope for kids includes 5 prepared slides, 2 eyepieces, and a large specimen stage. The best thing about it is that you can use it in 3 different modes: projector, lamp or inverted.

Besides being so versatile this best educational microscope kit also offers an easy-to-follow instruction manual which will both help your child learn how to use it step by step and discover new things on his/her own!

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best microscope for kids

3. My First Lab’s Mini Microscope for Kids

You might also like My First Lab’s Mini Microscope for Kids. This best educational microscope comes in stylish colors and offers 4x magnification. The best thing about it is that it has a built-in light. This provides better visibility when working with specimens. It is good for little scientists ages 5 to 7 years old.

It can be used both manually and on a stand. However, you need to make sure your kid won’t drop it because the top is not made of unbreakable material! To make it the best microscope for science fair projects, this best microscope for kids should be paired with the best science fair project ideas you can find here.

4. Artenjoyfine Science Microscope Kit

Another best microscope for young scientists is the Artenjoyfine Science Microscope Kit. It has 100X-1200X magnification that is good for different specimens. This best educational microscope comes with 40+ pieces which are neatly packed into a best educational microscope kit. Also, it includes everything your kid will need to take great microscopy pictures.

You’ll be able to use this best kids’ microscope both in 2D and 3D modes. Also, this comes with extra accessories like lens pen cleaner. This makes it one of the best science project ideas. It’s recommended by us not only because can be used as the best school project but offers top-notch features that even adult scientists would love!

5. YONGSHUO Microscope for Kids

If you want the best microscope for your kids, the YONGSHUO Microscope for kids is highly recommended. It is made of high-quality materials and provides 4 magnification levels from 40X to 1200X. This best microscope for kids comes with prepared slides of onion epidermis tissue so your kid learns about tissues through an engaging activity book!  Of course, these microscopes come in a protective case which makes them perfect for school projects. You also get 2 eyepieces, 4 blank slides, and slide labels.

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best microscope for kids

6. BEBANG 100X-2000X Microscopes

Another best science microscope we want to recommend is the BEBANG 100X-2000X Microscopes. These best research microscopes for kids come with the best manual that helps your kid learn a lot. It includes school projects about tissues through an engaging activity book! Of course, it comes in a protective case which makes it perfect for best school projects.

Also, the best children’s microscope also provides 4 magnification levels from 100X to 2000X. It’s the best microscope set that will help your child explore cells, insects, and other specimens under 400x magnification. You get 2 eyepieces, 4 blank slides, a tripod, and a led flashlight.

7. Generics Kids Microscope

The Generics Kids Microscope has a magnification of 40X-400X. Having this best educational microscope set, your kid can learn how to manipulate the focus and fine-tune their observation skills. This great kit comes with 2 eyepieces, 4 prepared slides, a set of labels, and covers. This is one of the top educational microscope toys for kids.

It also has a built-in stand where you can keep everything safe until next time. And if it breaks, don’t worry! Because the parts are inexpensive which makes it is great for science fair projects.

Read More: 10 Best Planners For College To Keep Schedules Organized.

8. EMARTH Microscope for Kids

The EMARTH Microscope for Kids is one of the most effective microscopes available on the market right now. It consists of a fantastic activity book that allows your youngster to examine cells, insects, and other objects at 400x magnification while also learning about science. There are two eyepieces, four prepared slides, a set of labels, and covers included in the kit. This is one of the most popular educational toys available.

It also features a built-in stand, which allows you to store everything safely until the next time you use it. And don’t be concerned if it breaks! Because the components are inexpensive, it is a perfect choice for top school projects of all kinds.

Final Thoughts

In conclusion, if you are looking for a good quality microscope set from a reputable brand, look no further! Listed above are the best microscope for kids. The selections will give your child a fantastic learning experience while they explore objects under magnification lenses.

Read More: Best Sunscreen For Kids With Eczema – Buyer’s Guide

 

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Education

8 Best Globe For Kids – Complete Buying Guide

best globe for kids-image from pixabay by White77
Globes are toys that may be found in any toy or department store. They’re usually made of glass and metal, and they spin on a turntable. There is often a stand behind it to keep it upright, as well as other accessories such as maps, flags, animals, and so on. If you’re not careful, you might end up with a globe that is more suited for an adult. If you’ve been shopping lately, you’ve noticed that there are hundreds of various globes available.
 
We looked at the top globes for kids reviews and compiled a list of things to consider while choosing the finest globe for your kid. When it comes to children, size isn’t everything, something too big might be a tripping danger or simply be too heavy.
 
There are a few things to consider while shopping for the finest globes for kids. When it comes to the greatest globes, size is crucial. Check where you intend to display it and ensure there’s enough room without being an obstacle when running, tripping, or falling over. However, if the best globes are already too big, you might wish to consider getting one with detachable components. You may also purchase separate ones that come with your own stands. This allows them to get closer to floor level while still keeping your floors and best globe safe.
 
Another thing to consider when purchasing the best globe for children is that the finest globes are frequently supplied with a variety of accessories. May become problematic later because it might fall apart due to lost pieces and the best globes toppling over onto them and shattering one or both.

Best Globe For Kids

The finest globe for kids with everything, this outstanding educational best globe has over 30 smart games and hundreds of unique questions about countries and famous landmarks. The greatest globes playset even includes a built-in camera.

VTech Explore and Learn Globe

The finest educational finest globe has more than 50 games, eight learning activities, and five additional applications all powered by table top. The greatest educational school also has over 100 tunes so that your best gluing may have their own dance party. They also learn about different nations. The finest map playset has lots of enjoyable activities to perform but is also very durable, with no loose or detachable components. Just be careful not to put the batteries in while not in use, since you won’t be able to re-use them otherwise. Cloud B Twilight Turtle Night Light.

best globe for kids-image from pixabay Viki_B

best globe for kids-image from pixabay Viki_B

The best globes for kids utilize both of these qualities to teach children about different countries. It’s a fantastic first map playset, but it does need 3 AAA batteries and isn’t as strong as some of our other choices. It’s an affordable best map play starter kit, though.

USA Toyz LED Illuminated Globe of The World. 

This great educational best globe for kids has more than 50 games, eight learning activities, and additional apps. The ideal playset is ideal for toddlers since it includes a variety of games that can be played without reading. Even if they cannot read yet, youngsters will enjoy pressing buttons to hear new information about different countries. It uses 3 AAA batteries.

LeapFrog My Own Leaptop

These are the greatest educational sets for the best kid globes if you’re searching for the finest instructional globe playsets instead of just the greatest map playsets! These are not only ideal for little kids, but they also teach children about essential abilities such as how to read well.

Educational Insights GeoSafari Jr. Kidnoculars

With various magnifying options, the best kid’s globe is the greatest educational globe. These Best Educational Best Globe Play Sets are also an excellent learning tool because they teach your child about different animals on Earth, but they may also be used to examine them up close as the best map set. They’re even great present ideas for kids.

Fisher-Price Little People Surprise & Sounds Home

If you’re searching for the best globe models for children, consider these as the greatest globe set to the globe for. Not only are the finest map sets perfect for infants, but they also teach your youngster important abilities! This toy is a great way to get ideas for exceptional present suggestions.

Prince Lionheart Wheely Bug

Here are some of our top choices for the finest educational best globe toys. These are also great present options for a wide range of ages, so you’ll probably want them whether you have any toddlers now.

Bonus

TCP Global 6” World Globe.

Best globes for kids under the age of four are not only ideal for youngsters, but they also teach them about different animals. These top educational best globe sets are also excellent learning tools. They teach your youngster significant skills such as reading well, self-help, and number sense. Make sure to check out our list of the best rated.

best globe for kids-image from pixabay by Mihail_fotodeti

best globe for kids-image from pixabay by Mihail_fotodeti

Little Kids First Big Book of Why

New Sprouts Reuse It Again Sampler Set: With the greatest childhood globe models rather than just the best map computer playsets, these are the ones you should be thinking about! Not only are the best educational cur world globes appropriate for a variety of ages, but they’re also useful.

Little Tikes DiscoverSounds Home Sweet Home Playhouse

This is yet another fantastic children’s globe learning tool. It requires three AAA batteries, but the light-up feature also teaches your kid about the best reading skills, the best planet to learn on, and more! It’s ideal for youngsters of all ages.
If you want to give your kid the most amazing globe experience possible, go for it. However, keep in mind that the best globes should be used only in the best globe for kids-free zones. The finest best globes will offer your child something new to play with while also being interesting or educating about the world we live in. Globe’s greatest globes can include a variety of accessories and figurines, making them fun to play with.
 
The best globe for kids should be one that you can display, protects your best globes, and teaches your children something new at the same time. It’s preferable to approach things with a clear vision of what makes the finest globes.

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